Common use of Additional Provisions Applicable Only to Consumer Accounts Clause in Contracts

Additional Provisions Applicable Only to Consumer Accounts. In Case of Errors or Questions About Your Electronic Transactions Send us a secure online mail message or call us at ▇-▇▇▇-▇▇▇-▇▇▇▇ You may also write us at: Contact us immediately if you think: • Your statement or transaction record is wrong. • You need more information about a transaction listed on your statement. • An unauthorized person has discovered your Online Banking Services passcode. • Someone has transferred or may transfer money from your account without your permission. • ▇▇▇▇ payment transactions have been made without your authorization. We must hear from you no later than 60 days after we have sent the FIRST statement on which the problem or error appeared (or 90 days if the problem or error relates to a ▇▇▇▇ payment from an account maintained at another financial institution). If you tell us verbally, we may require you to send us your complaint or question in writing or via email within ten (10) bank business days (Online Banking Services customers may use secure online mail). When you contact us, please provide the following information: • Your name and account number. • The date and dollar amount of the transaction in question. • The name of the Payee if the transaction in question is a payment. • The transaction number assigned by Online Banking Services, if available. • A description of the transaction about which you are unsure. Please explain as clearly as you can why you believe there is an error or why you need more information. We will tell you the results of our investigation within 10 bank business days after we hear from you, and we will promptly correct any error we have made. If we need more time, however, we may take up to 45 days to investigate your complaint or question. In this case, we will provisionally credit your account within 10 bank business days for the amount you think is in error, so that you have the use of the money during the time it takes us to complete our investigation. If we ask you to put your complaint or question in writing, and we do not receive your letter in 10 bank business days, we reserve the right not to provisionally credit your account. If we conclude there was no error, we will send you a written explanation within three (3) bank business days after we complete our investigation. You may request copies of the documents that we used in our investigation. Tell us at once if you believe your Online Banking Services passcode has been compromised or if someone has transferred or may transfer money from your account without your permission. The best way to minimize your loss is to call us immediately. The unauthorized use of your Online Banking Services could cause you to lose all of your money in your accounts, plus any amount available under your overdraft protection plan. You will have no liability for unauthorized transactions if you notify us within 60 days after the statement showing the transaction has been mailed to you (or 90 days if the transaction was from an account maintained at another financial institution). If you do not, you may not get back any of the money you lost from any unauthorized transaction that occurs after the close of the 60-day period (or 90 day period if the transaction was from an account maintained at another financial institution), if we can show that we could have stopped the transaction if you had notified us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we may extend the time periods. When you give someone your Online Banking Services ID and passcode, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you did not intend or want performed, are authorized transactions. Transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. For your protection, sign off after every Online Banking Services session and close your browser to ensure confidentiality. Note: These liability rules are established by Regulation E, which implements the federal Electronic Fund Transfer Act and does not apply to business accounts. Our liability policy regarding unauthorized debit card or ATM Card transactions, and unauthorized Online Banking Services transactions on consumer deposit accounts may give you more protection, provided you report the transactions promptly. Please see the agreement you received with your ATM or debit card and the Online Agreement.

Additional Provisions Applicable Only to Consumer Accounts. 4.a. In Case of Errors Error or Questions About Your your Electronic Transactions Send Transactions. In case of errors or questions about your transactions, you should as soon as possible contact us a secure online mail message or call us at ▇-▇▇▇-▇▇▇-▇▇▇▇ You may also write us at: Contact us immediately if as set forth in Section 2.p above (Notices to Us). If you think: • Your think your statement or transaction record for your account is wrong. • You incorrect or you need more information about a transaction listed on in the statement for your statement. • An unauthorized person has discovered your Online Banking Services passcode. • Someone has transferred or may transfer money from your account without your permission. • ▇▇▇▇ payment transactions have been made without your authorization. We account, we must hear from you no later than 60 sixty (60) days after we have sent send you the FIRST applicable statement on which for your account that identifies the problem or error appeared (or 90 days if the problem or error relates to a ▇▇▇▇ payment from an account maintained at another financial institution)error. If you tell us verbally, we may require you to send You must: 1. Tell us your complaint or question in writing or via email within ten (10) bank business days (Online Banking Services customers may use secure online mail). When you contact us, please provide the following information: • Your name and account number; 2. • The date and dollar amount of Describe the error or the transaction in question. • The name of the Payee if the transaction in question is a payment. • The transaction number assigned by Online Banking Services, if available. • A description of the transaction about which you are unsure. Please and explain as clearly as you can possible why you believe there it is an error or why you need more information; and, 3. Tell us the dollar amount of the suspected error. If you tell us orally, we may require that you send your complaint in writing within ten (10) Business Days after your oral notification. Except as described below, we will determine whether an error occurred within ten (10) Business Days after you notify us of the error. We will tell you the results of our investigation within 10 bank business days three (3) Business Days after we hear from youcomplete our investigation of the error, and we will promptly correct any error promptly. However, if we have maderequire more time to confirm the nature of your complaint or question, we reserve the right to take up to forty-five (45) days to complete our investigation. If we need more timedecide to do this, howeverwe will provisionally credit your account within ten (10) Business Days for the amount you think is in error. For errors involving new accounts, point-of-sale, or foreign-initiated transactions, we may take up to 45 90 days to investigate your complaint or question. In this caseFor new accounts, we will provisionally may take up to 20 business days to credit your account within 10 bank business days for the amount you think is in error, so that you have the use of the money during the time it takes us to complete our investigation. If we ask you to put submit your complaint or question in writing, writing and we do not receive your letter in 10 bank business daysit within ten (10) Business Days, we reserve the right may not to provisionally credit your accountAccount. If we conclude it is determined there was no error, we will send mail you a written explanation within three (3) bank business days Business Days after we complete completion of our investigation. You may request ask for copies of the documents that we used in our investigation. Tell us at once if you believe your Online Banking Services passcode has been compromised or if someone has transferred or We may transfer money from your account without your permission. The best way to minimize your loss is to call us immediately. The unauthorized use of your Online Banking Services could cause you to lose all of your money in your accounts, plus revoke any amount available under your overdraft protection plan. You will have no liability for unauthorized transactions if you notify us within 60 days after the statement showing the transaction has been mailed provisional credit provided to you (or 90 days if the transaction was from an account maintained at another financial institution). If you do not, you may not get back any of the money you lost from any unauthorized transaction that occurs after the close of the 60-day period (or 90 day period if the transaction was from an account maintained at another financial institution), if we can show that we could have stopped the transaction if you had notified us in time. If a good reason (such as a long trip or hospital stay) kept you from telling us, we may extend the time periods. When you give someone your Online Banking Services ID and passcode, you are authorizing that person to use your service, and you are responsible for all transactions that person performs while using your service. All transactions that person performs, even those transactions you find an error did not intend or want performed, are authorized transactions. Transactions that you or someone acting with you initiates with fraudulent intent are also authorized transactions. For your protection, sign off after every Online Banking Services session and close your browser to ensure confidentiality. Note: These liability rules are established by Regulation E, which implements the federal Electronic Fund Transfer Act and does not apply to business accounts. Our liability policy regarding unauthorized debit card or ATM Card transactions, and unauthorized Online Banking Services transactions on consumer deposit accounts may give you more protection, provided you report the transactions promptly. Please see the agreement you received with your ATM or debit card and the Online Agreementoccur.